State Bank of India credit cards: fees, rewards and eligibility compared

State Bank of India credit cards and their terms

1. CASHBACK SBI Card (State Bank of India): joining fee ₹999 · annual fee ₹999, waived on ₹2,00,000 yearly spend · base reward 1% of spend · forex markup 3.5%. A straightforward cashback card ideal for heavy online shoppers. Perks: 5% cashback on online spends with a ₹2,000 monthly cap; 1% cashback on offline spends with a ₹2,000 monthly cap; 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000.
2. SimplySAVE SBI Card (State Bank of India): joining fee ₹499 · annual fee ₹499, waived on ₹1,00,000 yearly spend · base reward 0.17% of spend · forex markup 3.5%. An everyday credit card offering accelerated reward points on dining, groceries, and movies. Perks: 2,000 Bonus Reward Points worth ₹500 on spending ₹2,000 within the first 60 days; 10X Reward Points on Dining, Movies, Departmental Stores and Grocery spends; 1% fuel surcharge waiver across all petrol pumps in India.
3. SBI Card ELITE (State Bank of India): joining fee ₹4,999 · annual fee ₹4,999, waived on ₹10,00,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 8 domestic, 6 international · forex markup 1.99%. A premium lifestyle and travel card offering milestone bonuses and accelerated dining rewards. Perks: Welcome e-Gift Voucher worth ₹5,000 from partner lifestyle brands; Free movie tickets worth ₹6,000 every year; Up to 50,000 Bonus Reward Points on milestone spends up to ₹8 lakhs.
4. SimplyCLICK SBI Card (State Bank of India): joining fee ₹499 · annual fee ₹499, waived on ₹1,00,000 yearly spend · base reward 0.25% of spend · forex markup 3.5%. An entry-level credit card tailored for online shoppers, offering accelerated rewards on digital spends and milestone e-vouchers. Perks: Amazon.in gift card worth ₹500 as a welcome gift on payment of the annual fee; 10X Reward Points on online spends with exclusive partners like Apollo 24x7, BookMyShow, Cleartrip, Swiggy, and Myntra; 5X Reward Points on all other online spends.
5. BPCL SBI Card (State Bank of India): joining fee ₹499 · annual fee ₹499, waived on ₹1,00,000 yearly spend · base reward 0.25% of spend · forex markup 3.5%. An entry-level fuel credit card offering solid value back at BPCL pumps and accelerated points on everyday spends. Perks: 2,000 bonus reward points worth ₹500 as a welcome gift; 4.25% value back on BPCL fuel purchases (3.25% in points + 1% surcharge waiver); 5X Reward Points on Dining, Departmental Stores, Grocery, and Movies.
6. Tata Neu Infinity SBI Card (State Bank of India): joining fee ₹1,499 · annual fee ₹1,499, waived on ₹3,00,000 yearly spend · base reward 1.5% of spend · lounge visits per year: 8 domestic, 4 international · forex markup 1.99%. A premium co-branded card offering high value back within the Tata Neu ecosystem and flat 1.5% on UPI payments. Perks: 1,499 NeuCoins welcome gift worth ₹1,499 on payment of the joining fee; 5% value back as NeuCoins on Tata Neu App, Website, and partner Tata brands; 1.5% value back on all other spends, including UPI transactions (on RuPay variant).
7. Tata Neu Plus SBI Card (State Bank of India): joining fee ₹499 · annual fee ₹499, waived on ₹1,00,000 yearly spend · base reward 1% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹3,00,000 a year. An entry-level co-branded card offering 2% value back within the Tata Neu ecosystem and a flat 1% on UPI payments. Perks: 499 NeuCoins welcome gift worth ₹499 on payment of the joining fee; 2% value back as NeuCoins on Tata Neu App, Website, and partner Tata brands; 1% value back on all other spends, including UPI transactions (on RuPay variant).
8. Flipkart SBI Card (State Bank of India): joining fee ₹500 · annual fee ₹500, waived on ₹3,50,000 yearly spend · base reward 1% of spend · forex markup 3.5%. A high-value cashback card tailored for frequent shoppers on Flipkart and Myntra. Perks: Welcome benefit of ₹250 Flipkart Gift Card on payment of the joining fee; 5% cashback on Flipkart and 7.5% cashback on Myntra; 4% cashback on preferred partners including Swiggy, Uber, and PVR.
9. SBI Card PRIME (State Bank of India): joining fee ₹2,999 · annual fee ₹2,999, waived on ₹3,00,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 8 domestic, 4 international · forex markup 3.5%. A premium lifestyle card offering high rewards on dining and groceries, plus comprehensive travel and lounge benefits. Perks: Welcome e-Gift voucher worth ₹3,000 from brands like Yatra, Hush Puppies/Bata, Pantaloons, or Shoppers Stop; Pizza Hut e-Voucher worth ₹1,000 on quarterly spends of ₹50,000; Complimentary Club Vistara Silver and Trident Privilege Red Tier memberships.
10. SBI Card Miles Elite (State Bank of India): joining fee ₹4,999 · annual fee ₹4,999, waived on ₹15,00,000 yearly spend · base reward 1% of spend · lounge visits per year: 8 domestic, 6 international · forex markup 1.99%. A premium travel card offering flexible air mile transfers, extensive lounge access, and unique flight cancellation cover. Perks: Welcome Benefit of 5,000 Travel Credits on spends of ₹1 lakh within 60 days; 6 Travel Credits for every ₹200 spent on travel; Comprehensive insurance including up to 6 flight cancellations per year (up to ₹3,500 each).
11. BPCL SBI Card OCTANE (State Bank of India): joining fee ₹1,499 · annual fee ₹1,499, waived on ₹2,00,000 yearly spend · base reward 0.25% of spend · lounge visits per year: 4 domestic · forex markup 3.5%. A high-reward fuel card offering premium value back at BPCL pumps and accelerated points on everyday spending. Perks: 6,000 bonus reward points worth ₹1,500 as a welcome gift; 7.25% value back on BPCL fuel purchases (6.25% in points + 1% surcharge waiver); 4 complimentary domestic VISA lounge visits per calendar year (max 1 per quarter).
12. IndiGo SBI Card ELITE (State Bank of India): joining fee ₹4,999 · annual fee ₹4,999 · base reward 2% of spend · lounge visits per year: 8 domestic, 6 international · forex markup 1.99%. A premium travel card offering high returns on IndiGo flights, extensive lounge access, and unique flight cancellation benefits. Perks: 5,000 IndiGo BluChips Voucher & 1 6E Eats Voucher as a Welcome Gift; 7% return as BluChips on IndiGo flight bookings; 8 domestic and 6 complimentary international airport lounge visits per year.
13. IndiGo SBI Card (State Bank of India): joining fee ₹1,499 · annual fee ₹1,499 · base reward 1% of spend · lounge visits per year: 4 domestic · forex markup 3.5%. An entry-level travel card offering solid returns on IndiGo flights and milestone bonuses for frequent flyers. Perks: Welcome Gift of 2,500 IndiGo BluChips Voucher post annual fee payment; 3% return as BluChips on IndiGo flight bookings; 2,500 IndiGo BluChips Voucher on milestone spends of ₹2 Lakhs, ₹4 Lakhs, and ₹6 Lakhs.
14. Apollo SBI Card SELECT (State Bank of India): joining fee ₹1,499 · annual fee ₹1,499, waived on ₹3,00,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 4 domestic · forex markup 3.5%. A premium health and lifestyle card offering 10% returns on Apollo ecosystem spends. Perks: Welcome Apollo 24|7 e-Gift Voucher worth ₹1,500 on fee payment; 1-year complimentary FITPASS PRO Membership; 10 Reward Points (worth ₹10) per ₹100 spent on Apollo 24|7 and Apollo Pharmacy.
15. IRCTC SBI Card Premier (State Bank of India): joining fee ₹1,499 · annual fee ₹1,499, waived on ₹2,00,000 yearly spend · base reward 0.8% of spend · forex markup 3.5% · income guide ₹6,00,000 a year · credit score 750+. A co-branded card offering unmatched returns on AC class railway bookings and complimentary railway lounge access. Perks: Welcome benefit of 1,500 Reward Points (worth ₹1,500) on payment of 1st Annual Fee; Up to 10% value back as Reward Points on AC class ticket purchases via IRCTC; 8 complimentary domestic railway lounge visits per year in India (max 2 per quarter).
16. SBI Card Unnati (State Bank of India): no joining fee · annual fee ₹499 · base reward 0.25% of spend · forex markup 3.5%. A secured credit card against a fixed deposit, ideal for building credit history with no fees for the first 4 years. Perks: Zero annual fee for the first 4 years; Issued against a lien on an SBI fixed deposit of ₹25,000 or more; ₹500 Cashback on annual spends of ₹50,000.
17. SBI Card ELITE Advantage (State Bank of India): joining fee ₹4,999 · annual fee ₹4,999, waived on ₹10,00,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 8 domestic, 6 international · forex markup 1.99%. A premium FD-backed secured card offering luxury travel and lifestyle benefits while building credit. Perks: Secured credit card issued against a fixed deposit, ideal for building credit; Welcome e-Gift Voucher worth ₹5,000 from partner lifestyle brands; Free movie tickets worth ₹6,000 every year.
18. Bank of Maharashtra SimplySAVE SBI Card (State Bank of India): joining fee ₹499 · annual fee ₹499, waived on ₹1,00,000 yearly spend · base reward 0.17% of spend · forex markup 3.5%. An entry-level co-branded credit card offering accelerated rewards on everyday spending like groceries, dining, and movies. Perks: 2,000 Bonus Reward Points worth ₹500 on spending ₹2,000 in first 60 days; 10X Reward Points on Dining, Movies, Departmental Stores and Grocery; 1% Fuel Surcharge waiver across all petrol pumps.
19. Air India SBI Platinum Card (State Bank of India): joining fee ₹1,499 · annual fee ₹1,499 · base reward 1% of spend · lounge visits per year: 8 domestic · forex markup 3.5%. A starter co-branded travel card for frequent Air India flyers looking to accumulate Flying Returns miles on everyday spends. Perks: 3,000 Reward Points on joining and card renewal; Up to 15 Reward Points per ₹100 spent on Air India tickets; Convert Reward Points to Air India Flying Returns Miles (1:1 ratio).
20. Air India SBI Signature Card (State Bank of India): joining fee ₹4,999 · annual fee ₹4,999 · base reward 4% of spend · lounge visits per year: 8 domestic · forex markup 3.5% · income guide ₹12,00,000 a year · credit score 750+. A premium travel card offering high reward rates on Air India bookings and up to 1,00,000 bonus miles on annual milestone spends. Perks: 20,000 Reward Points as welcome gift upon payment of joining fee; 5,000 Reward Points annually upon renewal fee payment; Up to 30 Reward Points per ₹100 spent on Air India tickets (official site/app).
21. Etihad Guest SBI Premier Card (State Bank of India): joining fee ₹4,999 · annual fee ₹4,999, waived on ₹5,00,000 yearly spend · base reward 1.66% of spend · lounge visits per year: 8 domestic, 4 international · forex markup 1.99% · credit score 750+. A co-branded Visa travel card from SBI Card and Etihad Guest offering accelerated airline miles and lounge access for frequent Etihad flyers. Perks: 5,000 Etihad Guest Miles credited within 15 days of annual fee payment; Complimentary Etihad Guest Gold tier status after first transaction; Complimentary Priority Pass Membership (~$99 value).
22. Paytm SBI Card (State Bank of India): joining fee ₹499 · annual fee ₹499, waived on ₹1,00,000 yearly spend · base reward 1% of spend · forex markup 3.5%. An entry-level co-branded card offering cashback on Paytm app transactions and a complimentary Paytm First membership. Perks: Complimentary Paytm First Membership worth ₹750 on activation; 3% cashback on travel, movies, and mall purchases via Paytm App; 2% cashback on other purchases via Paytm App.
23. SBI Card PRIME Advantage (State Bank of India): joining fee ₹2,999 · annual fee ₹2,999, waived on ₹3,00,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 8 domestic, 4 international · forex markup 3.5% · income guide ₹9,00,000 a year · credit score 750+. A mid-premium SBI Visa card offering elevated rewards on utilities, dining, groceries and entertainment, plus complimentary domestic and international lounge access. Perks: Welcome e-gift voucher worth ₹3,000 (Bata/Hush Puppies, Marks & Spencer, Pantaloons, Shoppers Stop, Yatra.com); Complimentary domestic and international (Priority Pass) lounge access; Free Trident Privilege Red Tier membership.
24. SBI Card PULSE (State Bank of India): joining fee ₹1,499 · annual fee ₹1,499, waived on ₹2,00,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 4 domestic · forex markup 3.5% · income guide ₹2,00,000 a year · credit score 750+. A fitness-focused credit card offering complimentary health memberships, lounge access, and elevated rewards on pharmacy, sports, and dining spends. Perks: Noise ColorFit Pulse 4 Pro Smart Watch worth ₹7,999 on joining; Complimentary 1-year FITPASS PRO and Netmeds First memberships (auto-renewed); 4 complimentary domestic lounge visits per year (1 per quarter).
25. Reliance SBI Card (State Bank of India): joining fee ₹499 · annual fee ₹499, waived on ₹1,00,000 yearly spend · base reward 0.25% of spend · forex markup 3.5%. An entry-level co-branded card offering milestone vouchers and accelerated rewards for loyal Reliance Retail shoppers. Perks: ₹500 Reliance Retail Voucher on payment of Joining Fee.; Additional discount vouchers worth ₹3,200 of participating Reliance Retail Stores on activation.; 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000..
26. City Union Bank SBI Card PRIME (State Bank of India): joining fee ₹2,999 · annual fee ₹2,999, waived on ₹3,00,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 8 domestic, 4 international · forex markup 3.5%. A lifestyle credit card offering accelerated rewards on utility standing instructions and premium travel benefits. Perks: Welcome e-gift voucher worth Rs. 3,000 from premium lifestyle brands.; 4 complimentary international and 8 domestic airport lounge visits per year.; Complimentary Club Vistara Silver and Club ITC Silver tier memberships..
27. City Union Bank SimplySAVE SBI Card (State Bank of India): joining fee ₹499 · annual fee ₹499, waived on ₹1,00,000 yearly spend · base reward 0.17% of spend · forex markup 3.5%. An entry-level rewards card tailored for City Union Bank customers offering accelerated points on daily spends like dining, movies, and groceries. Perks: 2,000 Bonus Reward Points on spending ₹2,000 in the first 60 days; 10X Reward Points on Dining, Movies, Grocery and Departmental Stores; 1% Fuel Surcharge Waiver up to ₹100 per statement cycle.
28. Doctor's SBI Card (State Bank of India): joining fee ₹1,499 · annual fee ₹1,499, waived on ₹2,00,000 yearly spend · base reward 0.25% of spend · lounge visits per year: 8 domestic, 4 international · forex markup 3.5% · income guide ₹1,50,000 a year. A tailored credit card for doctors offering professional indemnity insurance and boosted rewards on travel and medical supplies. Perks: Professional Indemnity Insurance Cover of ₹20 Lakhs; Welcome e-Gift Voucher worth ₹1,500 from Yatra.com; Complimentary Priority Pass membership worth $99.
29. Karnataka Bank SBI Card PRIME (State Bank of India): joining fee ₹2,999 · annual fee ₹2,999, waived on ₹3,00,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 8 domestic, 4 international · forex markup 3.5%. A premium co-branded rewards card offering strong returns on utility bills, dining, groceries, and travel milestones. Perks: Welcome e-Gift Voucher worth Rs. 3,000 from brands like Yatra, Pantaloons, Shoppers Stop, etc.; 8 complimentary domestic airport lounge visits per year (max 2 per quarter).; 4 complimentary international Priority Pass lounge visits per year (max 2 per quarter)..
30. Karnataka Bank SimplySAVE SBI Card (State Bank of India): joining fee ₹499 · annual fee ₹499, waived on ₹1,00,000 yearly spend · base reward 0.17% of spend · forex markup 3.5% · income guide ₹2,16,000 a year · credit score 750+. An entry-level card offering accelerated rewards on everyday offline spends like groceries, dining, and movies. Perks: 2,000 bonus Reward Points (worth ₹500) on spending ₹2,000 in the first 60 days.; 10X Reward Points (1.67% return) on Dining, Movies, Departmental Stores, and Groceries.; 1% Fuel Surcharge Waiver at petrol pumps across India (capped at ₹100 per statement cycle)..
31. Karur Vysya Bank SBI Card Gold (State Bank of India): joining fee ₹499 · annual fee ₹499, waived on ₹1,00,000 yearly spend · base reward 0.17% of spend · forex markup 3.5% · income guide ₹4,00,000 a year · credit score 750+. An entry-level co-branded card offering elevated reward points on grocery and departmental store spends. Perks: 2,000 Bonus Reward Points (worth ₹500) on spending ₹2,000 in the first 60 days.; 1% fuel surcharge waiver up to ₹100 per statement cycle.; Annual fee reversed on spending ₹1 lakh in a year..
32. Karur Vysya Bank - SBI Platinum Credit Card (State Bank of India): joining fee ₹2,999 · annual fee ₹2,999 · base reward 0.5% of spend · lounge visits per year: 8 domestic · forex markup 3.5% · income guide ₹8,00,000 a year. A premium lifestyle co-branded card offering strong milestone benefits and accelerated rewards on dining, grocery, and international spends. Perks: Welcome e-Gift Voucher worth ₹3,000 from premium lifestyle brands; Complimentary Priority Pass Program Membership (worth $99); 1% Fuel Surcharge Waiver.
33. Karur Vysya Bank SBI Signature Credit Card (State Bank of India): joining fee ₹4,999 · annual fee ₹4,999, waived on ₹10,00,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 8 domestic · forex markup 3.5% · income guide ₹8,00,000 a year. A premium co-branded lifestyle card offering strong milestone rewards, shopping vouchers, and domestic lounge access for high spenders. Perks: Welcome e-Gift Voucher worth ₹5,000 from premium brands; Up to 50,000 Bonus Reward Points on crossing annual spend milestones; 8 complimentary domestic lounge visits per year.
34. PSB SBI Card PRIME (State Bank of India): joining fee ₹2,999 · annual fee ₹2,999, waived on ₹3,00,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 8 domestic, 4 international · forex markup 3.5%. A co-branded mid-tier card offering 5% back on utility bills via standing instructions and quarterly dining vouchers for regular spenders. Perks: Welcome e-Gift Voucher worth Rs. 3,000 from partner brands (Yatra, Bata, Pantaloons, etc.); 4 complimentary International Priority Pass Lounge visits per year; 8 complimentary domestic airport lounge visits per year.
35. PSB SimplySAVE SBI Card (State Bank of India): joining fee ₹499 · annual fee ₹499, waived on ₹1,00,000 yearly spend · base reward 0.17% of spend · forex markup 3.5%. An entry-level co-branded card offering accelerated rewards on everyday spends like dining, groceries, and movies, along with an easy annual fee waiver. Perks: 10X Reward Points on Dining, Movies, Groceries & Departmental Stores; 1% fuel surcharge waiver across all petrol pumps (capped at ₹100 per cycle); Annual fee waiver on spending ₹1 Lakh in a year.
36. South Indian Bank SBI Card PRIME (State Bank of India): joining fee ₹2,999 · annual fee ₹2,999, waived on ₹3,00,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 8 domestic, 4 international · forex markup 3.5%. A premium co-branded card offering strong rewards on groceries and dining, utility bill perks, and solid milestone benefits for moderate to high spenders. Perks: Welcome e-Gift Voucher worth ₹3,000 from top lifestyle brands; 4 international Priority Pass and 8 domestic lounge visits per year; 20 Reward Points per ₹100 on utility bill standing instructions.
37. South Indian Bank SimplySAVE SBI Card (State Bank of India): joining fee ₹499 · annual fee ₹499, waived on ₹1,00,000 yearly spend · base reward 0.17% of spend · forex markup 3.5% · income guide ₹2,16,000 a year · credit score 750+. An entry-level co-branded card offering accelerated rewards on everyday dining, grocery, and entertainment spends. Perks: 10X Reward Points on Dining, Movies, Departmental Stores, and Grocery; 1% fuel surcharge waiver (capped at ₹100 per statement cycle); Complete annual fee waiver on ₹1,00,000 annual spend.
38. UCO Bank SBI Card PRIME (State Bank of India): joining fee ₹2,999 · annual fee ₹2,999, waived on ₹3,00,000 yearly spend · base reward 0.5% of spend · lounge visits per year: 8 domestic, 4 international · forex markup 3.5%. A rewarding mid-tier credit card offering strong value on utility bills, groceries, and dining with comprehensive lounge access. Perks: Welcome e-Gift voucher worth ₹3,000 from brands like Yatra or Pantaloons; 8 complimentary domestic lounge visits per year; 4 complimentary international Priority Pass lounge visits per year.
39. UCO Bank SimplySAVE SBI Card (State Bank of India): joining fee ₹499 · annual fee ₹499, waived on ₹1,00,000 yearly spend · base reward 0.17% of spend · forex markup 3.5% · income guide ₹2,40,000 a year · credit score 750+. An entry-level co-branded card offering 10X points on everyday spends like groceries, dining, and movies. Perks: 1% fuel surcharge waiver (up to ₹100/month) on spends between ₹500 - ₹3,000; Add-on cards available for immediate family members; Contactless transactions with Visa payWave.